Avenir PrimaCare — Appenzell Innerrhoden
Appenzell Innerrhoden: the PrimaCare model from Avenir costs CHF 486.00 a month for an adult with a CHF 300 deductible and accident cover, in 2026. The table below gives the whole grid: every age band, every deductible, with and without accident cover.
At CHF 486.00, PrimaCare is not the lowest premium here: Agrisano goes down to CHF 353.50. A named model does not guarantee the best price — it guarantees a care pathway.
On average, PrimaCare costs CHF 684.00 less per year than Avenir's basic insurance in the same place, for exactly the same cover defined by law. In exchange, you accept the model's care pathway.
The full grid
Adult (26 and over)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 486.00 | CHF 452.00 |
| 500 | CHF 474.50 | CHF 441.30 |
| 1'000 | CHF 445.50 | CHF 414.40 |
| 1'500 | CHF 416.00 | CHF 386.90 |
| 2'000 | CHF 387.00 | CHF 359.90 |
| 2'500 | CHF 358.00 | CHF 333.00 |
Young adult (19–25)
| Deductible | With accident | Without accident |
|---|---|---|
| 300 | CHF 375.70 | CHF 349.50 |
| 500 | CHF 364.20 | CHF 338.80 |
| 1'000 | CHF 335.20 | CHF 311.80 |
| 1'500 | CHF 305.70 | CHF 284.40 |
| 2'000 | CHF 276.70 | CHF 257.40 |
| 2'500 | CHF 247.70 | CHF 230.40 |
Child (0–18)
| Deductible | With accident | Without accident |
|---|---|---|
| 0 | CHF 129.50 | CHF 120.50 |
| 100 | CHF 123.70 | CHF 115.10 |
| 200 | CHF 117.90 | CHF 109.70 |
| 300 | CHF 112.00 | CHF 104.20 |
| 400 | CHF 106.20 | CHF 98.80 |
| 500 | CHF 100.40 | CHF 93.40 |
| 600 | CHF 94.50 | CHF 87.90 |
The price, region by region
- Aargau
- Appenzell Ausserrhoden
- Bern — Region 1
- Bern — Region 2
- Bern — Region 3
- Basel-Landschaft — Region 1
- Basel-Landschaft — Region 2
- Basel-Stadt
- Fribourg — Region 1
- Fribourg — Region 2
- Geneva
- Glarus
- Grisons — Region 1
- Grisons — Region 2
- Grisons — Region 3
- Jura
- Lucerne — Region 1
- Lucerne — Region 2
- Lucerne — Region 3
- Neuchâtel
- Nidwalden
- Obwalden
- St. Gallen — Region 1
- St. Gallen — Region 2
- St. Gallen — Region 3
- Schaffhausen — Region 1
- Schaffhausen — Region 2
- Solothurn
- Schwyz
- Thurgau
An alternative model commits you to a care pathway: check the conditions with the insurer before signing. This page gives a price, not advice.
Source: Federal Office of Public Health (FOPH), official premiums and territorial coverage areas.